Just Bought 100K Worth of SPYI on Margin

u/johnjm22 · Reddit — r/dividends · January 15, 2026 at 00:10 · ⬆ 137 pts · 💬 125 comments  | View on Reddit ↗
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Original Reddit post

Author describes a margin carry trade: borrowing at 6% to buy SPYI yielding ~11.5%, capturing the 5.5% spread as an experiment.

Unpriced research observations (excluded from Calls and Returns):

SPYI — LONG The author is using margin at a 6% rate to buy SPYI, which pays roughly 11.5%, aiming to capture the 5.5% spread. The strategy is framed as an experiment, with the author asking about pros and cons. The main risk implied is margin risk if SPYI's yield or price declines, though not explicitly stated. resolved_entity_name_mismatch

My margin rate is 6%. SPYI pays roughly 11.5%. I collect the difference ( 5.5% ). This is just an experiment.

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